It depends on the lender & the loan program.
I can do FHA & VA loans down to a 580 score but on USDA & conventional loans, I need a 620 or better.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115